84 month financing only available on vehicles 2015 and newer of $20,000 or more and for FICO scores of 625+. *** $20,000 minimum financed on an 84 month loan. Lowest rate offered may require 10% down payment. We may add an additional 1% to the published rate for first time buyers. The actual rate you receive is determined by a combination of factors including credit qualifications, loan amount, collateral, down payment and terms. Loan rate and percent financed is based on LBS Financial credit approval. A loan at 3.79% APR for 66 months will have a monthly payment of $16.82 per $1,000 borrowed or a $336.34 monthly payment based on an amount financed of $20,000. New or used vehicle loan amount may not exceed 100% MSRP including taxes plus and license, PLUS warranty up to $2,500 for 2 wheel drive and $3,000 for 4 wheel drive, GAP up to $1,000 and pre-paid maintenance up to $1000. New auto rates also reflect a 0.15% discount for a new auto purchase (2021 or newer) through the Surrogate Auto Shopper.

New and used auto rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. See separate rates for autos, trucks, and vans older than 2014. Which means if you own shares by today you will be entitled for the dividends (share of the earnings of the company).

*New auto years 2022 or newer and used autos are for model years 2015 to 2021. Teen Savings & Checking Account (Age 13-17).

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